Follow the dollars · Assumption only
A complete cash picture for Nov 30, 2026
Your down payment$336,872Cash toward the purchase price.
Closing costs + prepaids$10,332Not just lender fees.
Before credits & paid funds$347,204The complete starting cash picture.
Estimated remaining funds due at closing
$347,204No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$336,872.15
Your down payment$336,872.15
Closing costs + prepaids$10,332.01
Total buyer cash needed$347,204.16
Remaining funds due$347,204.16
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,450.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$459.50
Initial HOA (3 months)$195.99
Prepaid interest, first (1 days)$1.52
Fees + prepaids$10,332.01
Your down payment is the seller’s equity. You take over the $8,128 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $347,204.16 is due at closing. Uses and sources reconcile at $355,332.01 each. Not a Closing Disclosure.